Bankwest credit cards

You can apply for a Bankwest card regardless of where you live in Australia. Take advantage of their competitive low rates and introductory offers.

By Yvonne Taylor | Verified by David Boyd | Updated 1 Jun 2023

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Comparing Bankwest credit cards

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Featured

Bankwest Zero Platinum Mastercard

Balance transfer

34 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

No annual fee.
0% p.a. for 34 months on balances transferred (2% balance transfer fee applies). Reverts to 14.99% p.a. thereafter.
No foreign transaction fees and complimentary international credit card travel insurance.
New customers only. Limited time. Other fees and charges, T&Cs apply.

Pros

No annual fee to pay — ever.
Very long interest-free balance transfer offer.
No fees on purchases in a foreign currency.
Complimentary international travel insurance.

Cons

There is a 2% fee on balance transfers.
You can't earn rewards points.

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On website

Bankwest Zero Mastercard

Balance transfer

34 months at 0% p.a.

Purchase rate

14.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

Pay no annual fee as long as you hold the card.
0% p.a. for 34 months on balances transferred (2% balance transfer fee applies). Reverts to 14.99% p.a. thereafter.
Up to 55 days interest-free on purchases.
New customers only. Limited time. Other fees and charges, T&Cs apply.

Pros

There is no annual fee for as long as you keep the card.
The current balance transfer offer is extremely competitive.
Interest on purchases is comparatively low.

Cons

Balance transfers incur a one-off fee.
You cannot earn credit card points.

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On website

Bankwest Breeze Platinum Mastercard

Balance transfer

15 months at 0% p.a.

Purchase rate

15 months at 0% p.a.

Annual fee

$0.00 for 1st year

Highlights

Enjoy 0% p.a. on balance transfers for 15 months (2% BT fee, 12.99% p.a. thereafter).
0% p.a. for 15 months on purchases (reverts to 12.99% p.a.)
First-year annual fee waiver. $69 p.a. thereafter.
New customers only. Limited time. Other fees and charges, T&Cs apply.

Pros

0% p.a. on balance transfers for 15 months.
0% p.a. for 15 months on purchases.
First-year annual fee waiver. $69 p.a. thereafter.
No foreign transaction fees.

Cons

There is no rewards program on this card.
There is a 2% BT fee.

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On website

Bankwest Breeze Mastercard

Balance transfer

15 months at 0% p.a.

Purchase rate

15 months at 0% p.a.

Annual fee

$0.00 for 1st year

Highlights

Enjoy 0% p.a. on balance transfers for 15 months (2% BT fee, 12.99% p.a. thereafter).
0% p.a. for 15 months on purchases (reverts to 12.99% p.a.)
First-year annual fee waiver. $49 p.a. thereafter.
New customers only. Limited time. Other fees and charges, T&Cs apply.

Pros

0% p.a. on balance transfers for 15 months.
0% p.a. for 15 months on purchases.
First-year annual fee waiver. $49 p.a. thereafter.

Cons

There are no rewards on this card.
There is a 2% BT fee.

More about Bankwest credit cards

Further details on rates and fees, plus maximising the benefits of promotional offers and rewards.

FAQs

Are instalment plans available with a Bankwest credit card?

Instalment plans are available for some — but not all — transactions made with a Bankwest credit card. Once configured and approved, the transactions will be paid off in a fixed amount of time.

Can Bankwest credit cards be used with a digital wallet?

Yes. Apple Pay, Google Pay, and Samsung Pay are compatible.

Does Bankwest have credit cards with rewards points?

Yes. Bankwest offers credit cards that earn points with their Bankwest Rewards program.

Does Bankwest offer any credit cards with cashback rewards?

Yes. Points earned with Bankwest More Rewards can be converted to cashback.

Does Bankwest offer credit cards for businesses?

Yes, a business can apply for a credit card with Bankwest.

Does Bankwest offer credit cards with an introductory balance transfer offer?

Yes, you can get a balance transfer credit card with Bankwest. However, Bankwest’s balance transfer deals are not typically the strongest in market. It’s worth checking what’s available before applying with them, since you could find a longer interest-free period elsewhere.

Does Bankwest offer frequent flyer credit cards?

Yes. Bankwest offers credit cards for frequent flyers.

How can a credit card from Bankwest be managed?

Cards can be managed via Bankwest online banking, app, telephone, or in a branch.

How long does it take for Bankwest to process an application?

You can get a decision within 60 seconds of applying. It could take around 2 days to fully process the application.

Is it possible to have more than one Bankwest credit card?

Yes. You can have more than one credit card from Bankwest.

Is there a low interest rate credit card available from Bankwest?

Bankwest provides low rate credit cards.

What can Bankwest More Rewards points be used for?

More Rewards points can be converted to cash. Unlike other programs, they cannot be redeemed for merchandise or travel.

What documents are required when applying for a Bankwest credit card?

Bankwest will ask for an Australian driver's licence number, details of your income, expenses, debts, and proof of income (payslips, accounts if self-employed).

What is the most popular Bankwest credit card?

Bankwest’s Breeze Mastercard is their most popular credit card.

What rewards programs can be linked with Bankwest?

Some Bankwest credit cards can be linked with Qantas Frequent Flyer, with points deposited directly into your Qantas Frequent Flyer account.

Who can apply for a credit card from Bankwest?

Applicants should be at least 18 years old. The amount of income required varies between cards. Applicants must have no bad credit in the credit report.